The community development data dashboard provides insight into economic and housing conditions and trends in low- and moderate-income (LMI) communities. Some data sets are available for LMI neighborhoods, while others provide information for borrowers or households with low or moderate incomes. Often, this kind of information is presented for a city, region, state, or the U.S. as a whole but does not illuminate differences within a given geography. By reporting trends and conditions by income category, this resource can help shed light on whether aggregate statistics for a given geography also reflect the experiences of LMI communities within that geography or whether there are meaningful differences that warrant additional exploration.
Federal Reserve Bank of Philadelphia
Please contact Keith Wardrip (215-574-3810) with any questions or to suggest an organization for our lists.
The Consumer Credit Explorer (CCE) is an interactive tool for examining trends in consumer credit use at the regional, state, and national levels. The CCE enables users to look at quarterly changes in credit use indicators from 2005 through 2019 and to compare indicators across different areas. Users can analyze overall credit access, median debt levels, and delinquency rates for a variety of credit types (e.g., auto loans, student loans, mortgages, credit cards). Also, users can view trends by neighborhood income, borrowers’ Equifax Risk Scores, and borrower age groups.
The Home Mortgage Explorer draws from publicly available Home Mortgage Disclosure Act (HMDA) data and enables users to explore trends in residential mortgage lending between 2010 and 2017 for national, state, metropolitan, and nonmetropolitan geographies. The Explorer includes information on the number of originated mortgages, application denial rates, and the reasons given by lenders for denying applications. Trends can be examined by loan type (e.g., conventional, Federal Housing Administration) and loan purpose (e.g., home purchase, refinance), and all measures are provided by applicant and neighborhood income.
The Rental Housing Affordability data tool enables users to examine trends in rental housing affordability in Third District states from 2011 to 2016. Additionally, the tool includes demographic and economic profiles of cost-burdened, lower-income renters to enable users to better identify vulnerable groups and inform the development of programs and services.
This tool provides interactive and downloadable fact sheets for each of the Third District states (Delaware, New Jersey, and Pennsylvania) and the following areas:
Note: Estimates from prior reports published by the Community Development and Regional Outreach Department should not be compared with estimates in this analysis because of the differences in the geographic areas covered, data sets used, and methodologies employed. See Methodology for details. For copies of the historical reports, contact Anna.Tranfaglia@phil.frb.org.
The following resources provide valuable local-level information that can be of use to those who work in community development. With two exceptions, these resources are not affiliated with the Federal Reserve Bank of Philadelphia.